Call reports 2006
PATTERSON STATE BANK — 2006
What PATTERSON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 154,804,000 | 160,329,000 | 160,277,000 | 183,878,000 |
| Total loans | 106,488,000 | 110,964,000 | 110,575,000 | 110,732,000 |
| Allowance for loan losses | 1,261,000 | 1,332,000 | 1,294,000 | 1,266,000 |
| Securities available for sale | 25,879,000 | 27,377,000 | 27,940,000 | 32,345,000 |
| Securities held to maturity | 7,246,000 | 7,156,000 | 8,461,000 | 8,444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,964,000 | 145,371,000 | 146,268,000 | 169,490,000 |
| Interest-bearing deposits | 112,422,000 | 115,372,000 | 116,464,000 | 123,521,000 |
| Noninterest-bearing deposits | 27,542,000 | 29,999,000 | 29,804,000 | 45,969,000 |
| Equity capital | 9,338,000 | 9,655,000 | 10,475,000 | 10,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,281,000 | 4,672,000 | 7,222,000 | 9,855,000 |
| Interest expense | 901,000 | 1,790,000 | 2,695,000 | 3,683,000 |
| Net interest income | 1,380,000 | 2,882,000 | 4,527,000 | 6,172,000 |
| Noninterest income | 327,000 | 660,000 | 1,002,000 | 1,364,000 |
| Noninterest expense | 1,047,000 | 2,115,000 | 3,201,000 | 4,796,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 225,000 |
| Pretax income | 585,000 | 1,277,000 | 2,103,000 | 2,515,000 |
| Income tax | 176,000 | 375,000 | 621,000 | 659,000 |
| Net income | 409,000 | 902,000 | 1,482,000 | 1,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,594,000 | 10,086,000 | 10,665,000 | 11,039,000 |
| Total capital | 10,765,000 | 11,318,000 | 11,884,000 | 12,307,000 |
| Risk-weighted assets | 93,407,000 | 98,318,000 | 97,306,000 | 103,492,000 |